ARCHIVED BLOG POSTS
2019
Getting the Spousal ConsentFrom time to time, this can be quite stressful for real estate agents. One spouse owns the house. Both spouses lived in it. They have broken up and they are currently in the process of negotiating a settlement.Sometimes, they both have lawyers, sometimes just one party ...
02/27/2019
TERM POSTED Preferred RATES* Open 1 Year 6.30% 6.30% Fixed 1 Year 3.59% 3.19% Fixed 2 Year 3.74% 3.19% Fixed 3 Year 3.89% 3.29% Fixed 4 Year 3.94% 3.64% Fixed 5 Year 5.59% 3.49% Fixed 7 Year 5.80% 3.64% Fixed 10 Year 6.10% 3.89% Variable Rate 2.95% Prime Rate 3.95% Benchmark Rate 5.34% Cost per ...
02/27/2019
Term Posted Rate Preferred Rate Open 1 Year 6.30% 6.30% Fixed 1 Year 3.59% 3.19% Fixed 2 Year 3.74% 3.19% Fixed 3 Year 3.89% 3.29% Fixed 4 Year 3.94% 3.64% Fixed 5 Year 5.59% 3.49% Fixed 7 Year 5.80% 3.64% Fixed 10 Year 6.10% 3.89% Variable 2.95% Prime 3.95% Benchmark 5.34%
02/25/2019
The latin expression “forum conveniens” simply means “convenient forum”. It is to be distinguished from the expression “forum non conveniens”, or the inconvenient forum.The Court gets to make this decision at the outset of every case. The first question the Judge will ask is “do I have jurisdicti...
02/24/2019
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Stigmatized Property Disclosure (Ontario)Question:Does the SELLER need to disclose a stigma to a potential buyer?For example, a former grow house that was fixed and repaired.Answer:Yes, should there be a fundamental difference exist, comparing what they were bargaining for and what they got.This ...
02/24/2019
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Estate Listings in OntarioQuestion:If a client has inherited their parents’ home, and you are listing the home, how do you know the client is legally able sell to the home? Would lawyer have the title transferred to them at registry office?Answer:Not necessarily, sometimes the transfer will be di...
02/24/2019
Bank’s Refusal to Permit Additional Registered Owners (Ontario)Question:Why does the Bank refuse a second person on Title? A is approved, but they won’t let B, the spouse on title because of credit concerns.Answer:You might think that Banks don’t care, however they do where there is 95% financing...
02/24/2019
Commercial Bond Yields CMB 5 Year - 2.18%* CANHOU 06/15/24 [-0.03] 10 Year - 2.36% CANHOU 12/15/28 [-0.04] 10 Year - 2.39%* CANHOU 09/15/29 [-0.04] * denotes interpolated rate GoC 5 Year - 1.79% CAN 2.00 09/01/23 [-0.05] 10 Year - 1.89% CAN 2.0 06/01/28 [-0.05] GOC Bonds are for refere...
02/22/2019
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Disclosure of Stigmas in OntarioQuestion:Would you have to disclose a stigma to a customer? If so, should that be disclosed by the selling or buying agent?Answer:The issue of a stigma is an interesting topic. A stigma is something about a property (usually other than a physical defect) that coul...
02/20/2019
Term Posted Rate Preferrde Rate Open 1 Year 6.30% 6.30% Fixed 1 Year 3.59% 3.19% Fixed 2 Year 3.74% 3.19% Fixed 3 Year 3.89% 3.29% Fixed 4 Year 3.94% 3.64% Fixed 5 Year 5.59% 3.49% Fixed 7 Year 5.80% 3.64% Fixed 10 Year 6.10% 3.89% Variable 2.95% Prime 3.95% Benchmark 5.34%
02/20/2019
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